If you need to cash a check and want a fast, convenient option, Kroger Money Services is one of the most widely available choices in the U.S. Whether you’re cashing a paycheck, a government-issued check, or an insurance settlement, Kroger offers flexible hours and competitive fees. This updated guide covers everything you need to know in 2025 about Kroger’s check-cashing services.
What Is Kroger Money Services?
Kroger Money Services operates inside many Kroger and affiliated grocery stores. They partner with licensed financial providers to offer check cashing, bill payment, money transfers, and money orders — all without requiring a bank account.
You can cash:
- Payroll checks
- Government-issued checks (including Social Security, tax refunds, and unemployment)
- Insurance settlement checks
- Certain personal checks (availability varies by location)
Tip: Not every Kroger location has a Money Services counter. Use the Kroger Store Locator to confirm availability before visiting.
Kroger Check-Cashing Hours
Typical Money Services hours vary by store and day of the week. While most follow these general guidelines, always confirm your local hours.
| Day | Typical Hours | Notes |
|---|---|---|
| Monday–Friday | 9 AM – 7 PM | Some locations may open earlier |
| Saturday | 9 AM – 6 PM | Hours may vary by location |
| Sunday | 10 AM – 5 PM | Some locations closed Sundays |
Tip: Around holidays, hours may be reduced, and certain services (like check cashing) may end earlier than store closing time.
Fees and Limits
Kroger’s check-cashing fees and limits depend on your state’s regulations and the in-store financial partner.
- Fee range: 1%–3% of check value (minimum $2)
- Per check limit: Typically $1,000–$2,500
- Daily maximum: $2,500–$5,000 (varies by state)
Some stores may offer discounted fees for Kroger Plus Card members, so it’s worth asking at the counter.
What You Need to Cash a Check at Kroger
To cash a check, you must bring:
- A valid, government-issued photo ID (driver’s license, state ID, passport, or military ID)
- The original, signed check (endorse only when instructed)
- Payment for the fee (deducted from your proceeds)
- Any verification documents required by the provider (rare, but may be requested)
How to Cash a Check at Kroger: Step-by-Step
- Go to the Customer Service or Money Services counter.
- Tell the associate you’d like to cash a check.
- Present your ID and check.
- The associate will verify your check and calculate the fee.
- Approve the transaction, and receive your cash plus a printed receipt.
Tips for a Smooth Transaction
- Plan for fees: If debit payment terminals are down, cash for fees may be required.
- Ask about loyalty perks: Some locations offer fee discounts to loyalty card holders.
- Time your visit: Avoid peak grocery shopping hours for faster service.
- Know your alternatives: Some in-store kiosks and ATMs may offer lower flat fees for smaller checks.